Luxembourg's National Health Fund (CNS) reported a positive result for its long-term care insurance scheme in 2025, with revenues of €1.13 billion and expenditures of €1.08 billion, leading to a surplus of €48.3 million. Although this is a healthy balance, it nonetheless represents a decrease compared to the €80.7 million surplus recorded in 2024. By the end of the year, total reserves reached €610.1 million, or 56.4% of annual expenditures. Of this, €108.2 million is set aside as the legally required minimum reserve, while €501.9 million constitutes the accumulated surplus.
The CNS notes that the positive balance confirms the short-term financial health of the long-term care insurance system. However, several structural trends are already putting pressure on future prospects. These include an ageing population, a growing number of beneficiaries, and a rise in chronic illnesses, which are factors that could significantly increase expenditures in the years ahead.
In light of these developments, the CNS is urging sustained vigilance and forward-looking planning to manage future costs. While the current level of reserves provides a stable financial base, the fund emphasises the need to address upcoming challenges proactively to ensure the continued financial stability of the long-term care insurance scheme and maintain the quality of services delivered to beneficiaries.
